Staff Machine Learning Scientist

You will set technical direction for machine learning across credit, fraud, marketing, and growth while remaining hands-on with high-impact modeling challenges. You will build and improve credit models, establish lifecycle governance standards, translate regulatory requirements into measurable controls, and advance experimentation and causal measurement. You will also develop AI-assisted workflows and mentor scientists.

Responsibilities

• Shape modeling strategy across underwriting, collections, fraud, marketing, and growth
• Establish model governance standards for validation, monitoring, risk classification, documentation, change management, and independent review
• Build and improve credit models for underwriting, collections, and settlement strategies
• Translate regulatory requirements into measurable controls with Legal, Compliance, Risk, and sponsor-bank stakeholders
• Advance business measurement through metrics, experimentation, causal inference, and incrementality analysis
• Develop AI-assisted workflows and mentor scientists

Requirements

• 8+ years of experience building production machine learning solutions with technical leadership at staff or principal scope
• Experience with consumer credit modeling, portfolio economics, and risk-based decision systems
• Experience with model validation, model risk management, or independent review in regulated environments
• Familiarity with fair-lending and adverse-action considerations
• Advanced proficiency in Python, SQL, statistical modeling, and machine learning frameworks such as PyTorch, XGBoost, or Spark
• Experience designing experiments, defining business metrics, and measuring incremental impact through causal inference or holdout methodologies
• Ability to influence technical direction and communicate complex trade-offs across senior stakeholders
• Experience using AI tools throughout the modeling lifecycle
• Bachelor's, master's, or doctoral degree in a quantitative field, or equivalent experience

Benefits

• Flexible hours
• Virtual-first work culture
• Home office stipend
• Medical, dental, and vision insurance
• Paid parental and caregiver leave
• 401(k) plan with matching contributions
• Financial advisor and financial wellness support
• Flexible PTO
• Company holidays including Juneteenth and Winter Break
• All-company in-person and virtual events